Low Lending Rates Right for You

Are you looking for a great low rate for a new car or maybe you’re ready to refinance your RV? Triangle is the low-rate lending leader in our area so whether you need an auto loan, personal loan or RV loan, we have the right rate for you.

Home Loans

First Mortgages

(Including Purchase, Refinance, and First-Time Homebuyers)

	Rate as low as	APR*	Term up to	Points
5/1 Year ARM	5.500%	6.225%	40 Years	0
5/5 Year ARM	6.600%	6.846%	40 Years	0
3/3 Year ARM	6.000%	6.336%	40 Years	0
Fixed**	6.125%	6.208%	30 Years	0
Fixed**	5.750%	5.855%	20 Years	0
Fixed**	5.625%	5.763%	15 Years	0
Annual Percentage Rate (APR) are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Up to 95% financing – additional restrictions may apply. ARM Floor rate = 3.0%; CAPS 3/6; Maximum LTV of 90% and Maximum Loan Amount of $500,000 for second homes additional restrictions may apply. Rates are subject to change at any time. Payment example: A mortgage loan of $300,000 for 40 years at 6.49% APR will have a monthly payment of $1,762.14. Taxes and insurance not included; your actual payment obligation will be higher. Up to 40 year term, 1 year, 3 year or 5 year Adjustable Rate Mortgage (ARM) Caps 3/6, Floor Rate 3.0% *Rates are based on a fico score of 740+, loan amount of $250,000 and a 75% LTV (loan to value) for a single family owner occupied primary residence. Rates and Fees apply to loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Rates locked in are valid for 60-days. Homeowner insurance required; Flood insurance may be required. Triangle Credit Union is an Equal Housing Lender and federally insured by the NCUA. NMLS #528721.

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Investment Properties

Non-owner Occupied (1-4) Family

	Rate as low as	APR	Term up to	Type	Points
5/5 Year ARM*	7.500%	7.873%	25 Years	LTV 75%	0
HELOC**	10.75%	11.07%	15 Years	LTV 75%	0
Annual Percentage Rate (APR) & margins based on your credit history. Maximum term of 25 years. Up to 75% financing -- additional restrictions may apply. Maximum amount $500,000. ARM Floor rate = 3.0%; CAPS 3/6. This product is good for no more than a total of (4) financed investment properties per borrower with TCU and other lenders. More than (4) will be referred to our Commercial Loan Department. *Annual Percentage Rate (APR) is 11.07% and is based on an amount of $25,000 for a term of 15 years. Your actual rate and margins will be determined by your credit history. Terms and conditions may vary. Maximum loan amount $500,000. Rate is variable, based on the Wall Street Journal Prime Rate plus a margin as of 09/17/2025 and is subject to change at any time. Home Equity Line adjusts semi‐annually with a cap of 2/8 and a floor rate of 4.0%; with a maximum rate of 18.25%. Total 1st and 2nd mortgage cannot exceed $500,000. Maximum LTV 75%. See Mortgage Loan Officer for more details. $250.00 application fee. Requests exceeding the above non-owner occupied programs will be referred to our Commercial Loan Department. Estimated fees total between $850 and $1650. Homeowner insurance required; Flood insurance may be required. Total first & second mortgage cannot exceed $500,000. Triangle Credit Union is an Equal Housing Lender and federally insured by the NCUA. NMLS #528721.

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Home Equity Line (1-4 Family):

Terms	Type	Interest Rate	APR	Loan-to-Value (LTV)
15 Years	Variable	7.00%	7.13%*^	80%
15 Years	Fixed	10.99%	11.088%^	80%
15 Years	Variable	10.50%	11.059%**^	100%
Annual Percentage Rate (APR) & Margins based on your credit history. Maximum term of 25 years. Up to 75% financing – additional restrictions may apply. Maximum amount $500,000. ARM Floor rate = 3.0%; CAPS 2/8. This product is good for no more than a total of (4) financed investment properties per borrower with TCU and other lenders. More than (4) will be referred to our Commercial Loan Department. Rates are subject to change at any time. *Annual Percentage Rate (APR) is 11.088% fixed, loan subject to underwriting qualifications, terms and conditions may vary. Your actual rate and margins will be determined by your credit history. Rate is variable, based on the Wall St. Journal Prime Rate plus a margin of 2.50% as of 09/17/2025 and is subject to change at any time, with a maximum rate of 18.00%. Home Equity Line adjusts semi‐annually with a cap of 2/8 and a floor rate of 5.0%, maximum Loan-To-Value 100%; maximum credit line is $250,000 for owner occupied property. $250.00 application fee. A mortgage loan of $300,000 for 15 years at 7.50% APR will have a monthly payment of $2,783.92. Taxes and insurance not included, your actual payment obligation will be higher. ^Estimated fees total between $850 and $1650. Homeowner insurance required; Flood insurance may be required. Total first & second mortgage cannot exceed $1,000,000. Triangle Credit Union is an Equal Housing Lender and federally insured by the NCUA. NMLS #528721. Rates and Fees apply to loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Rates locked in are valid for 60-days. Homeowner insurance required; Flood insurance may be required. Triangle Credit Union is an Equal Housing Lender and federally insured by the NCUA. NMLS #528721.

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Home Improvement

Terms & Amount	Type	Interest Rate	APR	Monthly Payment/$1000
10 Years - $15,000	Fixed	9.99%	10.507%*	$13.21
10 Years - $20,000	Fixed	10.99%	11.517%	$13.77
*Annual Percentage Rate (APR) is based on your credit history, amount borrowed, and designated term. Costs include Flood certification $18.00 and document prep fee $65.00, application fee of $250.00 and a final inspection fee (up to $200.00).

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Personal

Personal Loans

Terms	Amount	Interest Rate	APR	Monthly Payment/$1,000
Up to 60 Months	Up to $10,000	10.99%	10.99%*	$21.93
Up to 84 Months w/Better Checking	Up to $20,000	11.49%	11.49%**	$17.55
Up to 84 Months	Up to $20,000	11.99%	11.99%***	$17.82
Annual Percentage Rate (APR) of 10.99% is based on an interest rate of 10.99% for qualified borrowers. Personal unsecured loan APR is based on a loan amount of $10,000 for up to 60 months. Monthly payment per $1,000 is $21.93. 60 day deferred payment option available. Rates are subject to change at any time. Annual Percentage Rate (APR) of 11.49% is based on an interest rate of 11.49% for qualified borrowers. Personal unsecured loan APR is based on a loan amount of $20,000 for up to 84 months. Monthly payment per $1,000 is $17.55. Must have a Better Checking account. 60 day deferred payment option available. Rates are subject to change at any time. **Annual Percentage Rate (APR) of 11.99% is based on an interest rate of 11.99% for qualified borrowers. Personal unsecured loan APR is based on a loan amount of $20,000 for up to 84 months. Monthly payment per $1,000 is $17.82. Rates quoted are for Automatic Payment Method, Direct Deposit and eStatements for full term of the loan, otherwise add .25%. Terms and conditions may vary, subject to the ability to repay and credit approval. Rates are subject to change at any time. 60 day deferred payment option available. Max Term Up to $1,000 – 12 Months $1,001 to $2,000 – 24 Months $2,001 to $5,000 – 36 Months $5,001 to $10,000 – 60 Months $10,001 to $20,000 – 84 Months

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Line Of Credit

Terms	Amount	Interest Rate	APR*	Minimum Monthly Payment
N/A	Up to $10,000	12.500%	12.500%*	$175.00

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Share Loans

Terms	Interest Rate	APR	Minimum Monthly Payment
Up to 60 Months	5.00% above the savings rate currently at 0.05%	5.05%*	$18.90
*Annual Percentage Rates (APR) based on $15,000 and designated term unless otherwise noted. ALL loans may be subject to a $60 loan processing charge. Rates quoted are for Direct Deposit (Payroll with Automatic Payment Method or Direct Payment Authorization) and eStatements for the full term of the loan, otherwise add .25%. Terms and conditions may vary, subject to the ability to repay and credit approval. Rates are subject to change at any time without notice.

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Vehicle Loans

Auto Loan Refinance Special

Terms	APR*	EMP Per $1,000**
Up to 66 Months (Model Years 2020 & Newer)	5.54%	$17.69
APR = Annual Percentage Rate. Effective 07/17/2025. The rate may vary depending on each individuals’ credit history and underwriting factors. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Published rate includes a 0.25% discount given when you add and maintain direct payroll deposit or electronic loan payments. Rates and terms on loans for other types of vehicles will differ. Deferred payment option - No payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due. Financing available for New/Used auto up to 115% plus extended warranty and GAP coverage may be financed for qualified borrowers. Offer not available on existing Triangle Credit Union Loans. *EMP = Estimated Monthly Payment

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New Automobile Loans

Terms	APR*	EMP Per $1,000**
Up to 66 Months (Model Years 2020 & Newer)	5.74%	$17.79
Up to 75 Months (Equal to or greater than $15,000)	6.49%	$16.34
Up to 84 Months (Equal to or greater than $20,000)	6.99%	$15.18
APR = Annual Percentage Rate. Effective 07/17/2025. The rate may vary depending on each individuals’ credit history and underwriting factors. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Published rate includes a 0.25% discount given when you add and maintain direct payroll deposit or electronic loan payments. Rates and terms on loans for other types of vehicles will differ. Deferred payment option - No payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due. Financing available for New/Used auto up to 115% plus extended warranty and GAP coverage may be financed for qualified borrowers. Offer not available on existing Triangle Credit Union Loans. *EMP = Estimated Monthly Payment

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Used Automobile Loans

Terms	APR*	EMP Per $1,000**
Up to 66 Months (Model Years 2020 & Newer)	5.74%	$17.79
Up to 75 Months (Model Years 2021 & Newer, Amounts Equal to or Greater Than $15,000, Max Mileage 75,000)	6.49%	$16.34
Up to 76-84 Months (Model Years 2021 & Newer, Amounts Equal to or Greater Than $20,000, NADA Value Equal to or Greater than $20,000)	6.99%	$15.18
Up to 60 Months (Model Years 2019 and older)	7.99%	$20.41
APR = Annual Percentage Rate. Effective 07/17/2025. The rate may vary depending on each individuals’ credit history and underwriting factors. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Published rate includes a 0.25% discount given when you add and maintain direct payroll deposit or electronic loan payments. Rates and terms on loans for other types of vehicles will differ. Deferred payment option - No payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due. Financing available for New/Used auto up to 115% plus extended warranty and GAP coverage may be financed for qualified borrowers. Offer not available on existing Triangle Credit Union Loans. *EMP = Estimated Monthly Payment

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Auto Equity Loan

Terms	Interest Rate	APR	Monthly Payment/$1,000
Up to 60 Months (2025-2020 Models, 90% NADA Retail)	9.00%	9.00%*	$20.76
Up to 60 Months (2025-2020 Models, 100% NADA Retail)	9.25%	9.25%*	$20.88
*Annual Percentage Rates (APR) based on $15,000 and designated term unless otherwise noted. Rates quoted are for Direct Deposit (Payroll with Automatic Payment Method or Direct Payment Authorization) and eStatements for the full term of the loan, otherwise add .25%. Terms and conditions may vary, subject to the ability to repay and credit approval. Rates are subject to change at any time without notice.

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Snowmobiles, ATVs, etc

Terms	Interest Rate	APR	Monthly Payment/$1,000
Up to 60 Months (Model Years 2020 & Newer)	8.25%	8.25%^	$20.40
Up to 60 Months (Model Years 2019 & Older)	8.75%	8.75%*	$20.64
^Annual Percentage Rate (APR) of 8.25% is based on an interest rate of 8.25% for qualified borrowers. Loan APR is based on a loan amount of $15,000 for up to 60 months. Monthly payment per $1,000 is $20.40. *Annual Percentage Rates (APR) based on $15,000 and designated term unless otherwise noted. Rates quoted are for Direct Deposit (Payroll with Automatic Payment Method or Direct Payment Authorization) and eStatements for the full term of the loan, otherwise add .25%. Terms and conditions may vary, subject to the ability to repay and credit approval. Rates are subject to change at any time without notice.

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Recreational Vehicles - Campers, Motorhomes, and Boats

Terms	Interest Rate	APR	Monthly Payment/$1,000
Up to 60 Months (Model Years 2020 & Newer)	7.99%	7.99%**	$20.27
Up to 60 Months (Model Years 2019 & Older)	9.50%	9.50%*	$21.01
Up to 72 Months	9.24%	9.24%*	$18.15
Up to 84 Months	8.99%	8.99%*	$16.08
Up to 120 Months (Amounts Greater Than $10,000)	9.75%	9.75%*	$13.08
Up to 144 Months (Amounts Greater Than $20,000)	10.25%	10.25%*	$12.10
Up to 180 Months (Amounts Greater Than $40,000)	10.25%	10.25%*	$10.90
**Annual Percentage Rate (APR) is based on an interest rate of 7.99% for qualified borrowers. Loan APR is based on a loan amount of $15,000 for up to 60 months. Monthly payment per $1,000 is $20.27. Rates quoted are for Direct Deposit (Payroll with Automatic Payment Method or Direct Payment Authorization) and eStatements for the full term of the loan, otherwise add .25%. Terms and conditions may vary, subject to the ability to repay and credit approval. Rates are subject to change at any time without notice. 60 day deferred payment option available. Amount Financed $4,999 Up to 60 Months $5,000-$7,499 72 Months $7,500-$9,999 84 Months $10,000-$19,999 120 Months $20,000-$39,999 144 Months $40,000+ 180 Months

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Motorcycles

Terms	Interest Rate	APR	Monthly Payment/$1,000
Up to 60 Months (Motorcycle Model Years 2019 & Newer)	7.99%	7.99%*	$20.28
Up to 60 Months (Motorcycle Model Years 2018 & Older)	8.50%	8.50%*	$20.52
Up to 72 Months (New Motorcycles Only, Amounts Greater Than $15,000)	8.99%	8.99%*	$18.03
^Annual Percentage Rate (APR) of 7.99% is based on an interest rate of 7.99% for qualified borrowers. Loan APR is based on a loan amount of $15,000 for up to 60 months. Monthly payment per $1,000 is $20.28. *Annual Percentage Rates (APR) based on $15,000 and designated term unless otherwise noted. Rates quoted are for Direct Deposit (Payroll with Automatic Payment Method or Direct Payment Authorization) and eStatements for the full term of the loan, otherwise add .25%. Terms and conditions may vary, subject to the ability to repay and credit approval. Rates are subject to change at any time without notice.